The Mortgage Loan Originator is responsible for continually identifying, developing and maintaining a network of business relationships to source mortgage lending opportunities

Responsibilities

Conduct interviews with prospective borrowers in order to analyze financial and credit data and determine customer financing objectives.Responds to customer inquiries and referrals that are generated from both their own contacts and from other bank business channels.Conducts preliminary underwriting reviews to assess secondary market standards (where applicable).Submit complete applications to processing and underwriting using computer technology.Advise customers on product/pricing policies and guidelines while gathering any additional information.Assist in obtaining information for timely processing of all mortgage loans. Verify supporting documentation including, but not limited to, employment history, deposit information and other documentation related to the application.Consistently communicates to customers their application status, (approval, denial, additional documentation, etc.), and current interest rates.Ensures exceptional customer service by maintaining thorough knowledge of lending programs, policies, procedures and regulatory requirements,Demonstrating commitment to professional ethics by complying with all Federal and State compliance policies and adhering to HMDA requirements.Other duties as assigned

Minimum Qualifications

Two or more years of experience in a loan originationKnowledge of conventional and/or government guidelinesKnowledge of processing underwriting and/or closing procedures/federal lending regulations governing real estate lendingDemonstrated time management skills and the ability to organize, prioritize and perform multiple tasks simultaneouslyAbility to communicate clearly and effectively, both verbally and in writing, across a variety of audiencesStrong team and customer service skillsSelf-motivated and highly organizedAbility to prioritize multiple competing taskAvailability to travel to other worksites and locations as needed.Must be a minimum of 18 years of ageHigh School diploma or GED equivalent

Be Genuine. Conduct yourself in a consistent, honest and compassionate manner at all times.Work Ethic. Be willing to go the extra mile for the customer, whether internal or external.Influence. Be an active player in participating, building and contributing to service.Continuous Learning. Commit to gaining knowledge, skills and experience on an ongoing basis in order to better serve the customer, increase personal satisfaction and improve Columbia Bank.Team Play. We win together. Individuality is encouraged to advance and enrich the work of the team.Problem Solving. Bring creative, problem-solving mentality to every situation. See alternatives, take initiative and assume responsibility for your actions.Communication. Keep others informed and up-to-date. Actively listen and learn from each other.

Physical/Mental RequirementsAbility to sit at a computer monitor for extended periods of timeAbility to perform repetitive finger, hand, and arm movementsAbility to lift up to 5lbs.Ability to effectively discern information and formulate appropriate actionAbility to reach, squat, bend, and manually manipulate standard office equipment

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